Congress and President Trump just passed the bipartisan Setting Every Community Up for Retirement Enhancement (SECURE) Act as part of another spending bill needed to keep the federal government operating for a few more months. The SECURE Act represents one of the biggest changes to retirement planning since 2010, and although there are some negative…
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That’s what Fidelity Investments is implying in their recently-released Q3 2019 Retirement Analysis. They reported that almost 40% of 401(k) plans owned by workers born between 1946 and 1964 maintain an allocation to stocks that is higher than Fidelity’s recommended allocation for investors in those age groups. And almost one in twelve have all their…
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Are you trying to come up with a creative gift to buy your teenage kids for the holidays this year? Or have you given up and just plan to give them cash? In either case they might qualify for an alternative gift that effectively keeps on giving for the rest of their lives: a Roth…
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Per Wikipedia, James Truslow Adams defined the so-called American Dream as “life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement.” This suggests that each generation of Americans should be experiencing a greater degree of success and prosperity than their predecessors. Is it happening? One way…
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Last week the Securities and Exchange Commission (SEC) relaxed the requirement for Exchange Traded Fund (ETF) providers to disclose on a daily basis the underlying holdings in their funds. This change was requested primarily by fund companies T. Rowe Price, Natixis, Fidelity, and Blue Tractor, who would like to develop ETFs that follow what are…
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Did you know that the digital content you maintain in your computer or online is considered to be your personal property? Since 2015, with the passage of the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) by the Uniform Law Commission, most U.S. states including California consider these so-called digital assets to be no…
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